SeaComm FCU’s Live Letter Check campaign makes borrowing effortless. Pre-qualified members receive a negotiable check with clearly disclosed terms—no application, no branch visit, no waiting—resulting in 500–700 funded loans per campaign.
- SimpliFi™ Marketing
- Seacomm Federal Credit Union
- Personal Loans
The Challenge
SeaComm FCU needed a scalable way to grow consumer loan volume during the most competitive borrowing season of the year — August through January — when members are heavily targeted by credit card issuers and high-interest lenders.
Traditional loan marketing requires applications, branch visits, and decision timelines that slow momentum. Meanwhile, members seeking fast access to funds often turn to costly alternatives.
SeaComm wanted to:
Drive meaningful loan growth
Compete with predatory and high-interest lenders
Provide a frictionless borrowing experience
The solution needed to be bold, seamless, and repeatable.
The Objective
To create a high-impact, pre-screened lending campaign that delivers immediate access to funds while reinforcing SeaComm’s reputation as a trusted financial partner.
Specifically, the campaign aimed to:
Generate measurable consumer loan growth
Remove application friction
Provide transparent, fixed-rate financing
Offer members a responsible alternative during high-spend seasons
Ensure full compliance with FCRA regulations
Each campaign reaches more than 11,000 qualified members, generating 500–700 funded loans per cycle — equating to approximately $1.5M–$2.1M in loan volume per campaign.
The Strategy
EmpowerFi™ developed a fully integrated Pre-Screen Live Marketing Check Campaign designed to eliminate friction and drive predictable loan growth.
Qualified members receive a personalized credit offer with a perforated, negotiable live check printed on secure MICR stock. When deposited, the check activates the loan under clearly disclosed, fixed-rate terms — no application or branch visit required.
Members see their rate, term, monthly payment, and total interest upfront, ensuring full transparency and no hidden fees.
The campaign is executed in partnership with SeaComm and the credit bureau, incorporating FCRA-compliant language, secure check production, tinted envelopes, and coordinated processing oversight.
The result is a seamless, compliant, and highly effective lending engine that has delivered consistent results for nearly two decades.
The Impact
For nearly two decades, this campaign has served as a reliable lending engine for SeaComm FCU.
With over $1.5M–$2.1M in funded loans per cycle, the Live Letter Check campaign:
Drives predictable consumer loan growth
Strengthens member relationships
Provides a responsible alternative to high-cost borrowing
Reinforces ease of doing business with SeaComm
It’s proof that when strategy, compliance, data, and creative align — direct mail can still outperform.
We absolutely love our live letter check campaigns! We've had so much success over the years and it helps to have a partner as knowledgeable as EmpowerFi on our side.
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